The only time I'm fearful of health issues is when we travel back to the USA. Living overseas we use that exemption for ACA so when in the States we are uncovered and I fear for an accident potentially bankrupting us. Kinda like Canadians do.
When we lived in Austin for a couple of years and couldn't justify ACA for the wife, we paid the penalty and if anyone asked what her insurance was, I said 'Volaris'. I wasn't actually joking...
We really need to find a better solution.
More specifically to the OP's question, we aren't generally fearful of health issues yet. Even my parents don't seem particularly fearful, in spite of being on 8+ prescriptions each.